120 W 2nd St, Duluth, MN 55802 Property Records

St. Louis County property record for 120 W 2nd St, Duluth, MN 55802

Property Summary

Property Type	Charitable / Fraternal Organization
Details	22,120 sqft · built 1914
Lot Size	0.644 acres (28,086 sqft)
Owner	Company Name on Record
Last Sale	$2,275,000 (Sep 2021)
Deeds & Mortgages	Oct 2023 Construction Loan Sep 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0960-00640`

Property Details

APN / Parcel Number

Primary APN	`010-0960-00640`
Alternative APN	`1033537`

Interior

Stories	1 Story
Building Area	22,120 sqft Gross Area
1st Floor Area	6,260 sqft
Basement Area	22,120 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1984
Exterior Material	Brick Veneer
Lot Area	28,086 sqft (0.644 acres)
Garage Area	12,600 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1033537
Street Address	120 W 2ND ST
City	DULUTH
State	MN
Zip	55802-2017
Property Category	Commercial
Property Type	Commercial > Retail > Charitable / Fraternal Organization
Legal Description	LOTS 22, 24, 26 AND 28 AND SOUTHERLY 65 FEETOF LOTS 30 AND 32 AND NORTHERLY 75 FEET OFLOTS 30 AND 32. SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIV WEST 2ND
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Duluth Commercial Historic District (additional Documentation) listed 2006 · 86 contributing resources · NRIS 06000455

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Louis County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1401 E 1ST ST, DULUTH, MN 55805-2407
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage MEMBERS COOPERATIVE CU
Sep 16, 2021	Deed of Trust, Mortgage · Construction Mortgage MEMBERS COOPERATIVE CU
Sep 13, 2021	Warranty Deed, Transfer · Commercial Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Sep 13, 2021 · Amount on Record
Deed Document Number	20211424719
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	120 W 2ND ST, DULUTH, MN 55802-2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001476939
Date	Oct 27, 2023
Instrument	1476939

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2033

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	120 W 2ND ST, DULUTH, MN 55802-2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424720
Date	Sep 16, 2021
Instrument	1424720

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 31, 2031

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 13, 2021
Property Address	120 W 2ND ST, DULUTH, MN 55802-2017
Document Number	0001046632
Instrument Date	Aug 31, 2021
Instrument	1046632
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,507.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E 1ST ST, DULUTH, MN 55805-2407

Mortgage

Document Number	0001046633
Date	Sep 13, 2021
Instrument	1046633

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 31, 2031

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$3,223,100 (+99.24%) Land $292,600 Building $2,930,500	$3,223,100 (+99.24%) Land $292,600 Building $2,930,500
2024	$1,617,700 Land $175,600 Building $1,442,100	$1,617,700 Land $175,600 Building $1,442,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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